In the blue and pale beige areas on this map, a subsidy user's net payment for the cheapest available silver coverage will either rise less than 5 percent in 2017, or fall. (Image: McKinsey & Co.)

In most of the country, Affordable Care Act exchange plan prices may look a lot cheaper to healthy, low-income consumers who just want to get covered in 2017 than they do to sick people, higher-income people, or agents and brokers.

Consultants in a Washington-based health policy tracking unit at McKinsey & Co. have published data supporting that conclusion in a new analysis. The McKinsey consultants looked at how the ACA advanced premium tax credit subsidy program will affect what low-income and moderate-income exchange users really pay for 2017 exchange coverage.

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